Cheapest Washington Car Insurance Rates in 2024 (Save With These 10 Companies)

When looking for cheapest Washington car insurance rates starting at $20 per month, look no further than USAA, Progressive, and Nationwide as leading the pack. These providers cater to diverse coverage needs in Washington. Learn about Washington auto insurance requirements and find your ideal coverage today.

Whether exploring beaches or national parks in Washington, protect your drive with the best car insurance policy for peace of mind.

Our Top 10 Company Picks: Cheapest Washington Car Insurance Rates

Our guide on factors that affect car insurance rates helps you choose wisely, ensuring less worry and more enjoyment on your trips, like to Mt. Rainier National Park. By entering your ZIP code above you can get instant car insurance quotes from top providers.

#1 – USAA: Top Pick Overall

Pros

• Lowest Rates: USAA offers the most affordable car insurance in Washington, with monthly rates starting at just $20, making it the best option for budget-conscious drivers seeking low-cost coverage. Learn more in our USAA car insurance review.
• Exceptional Service: Known for its superior customer service, USAA consistently receives high satisfaction ratings, ensuring a smooth experience for Washington drivers seeking reliable and affordable insurance.
• Comprehensive Military Benefits: USAA provides specialized coverage options for military families in Washington, including low-cost rates and unique benefits, making it ideal for those eligible and looking for tailored insurance solutions.

Cons

• Eligibility Restrictions: USAA’s services in Washington are exclusively available to military members, veterans, and their families. This limits access to their low rates and benefits to only those within the military community.
• Limited Physical Presence: With fewer local branches compared to other insurers, accessing in-person support for policy issues or claims might be inconvenient for Washington drivers who prefer face-to-face interactions.

#2 – Progressive: Best for Competitive Rates

Pros

• Competitive Pricing: Progressive is known for offering competitive rates starting at $26 per month, making it a strong choice for Washington drivers looking for affordable insurance with good coverage options.
• Innovative Savings Tools: The Snapshot program allows Washington drivers to save based on their driving habits, potentially lowering rates even further for safe drivers and those looking to maximize savings. Delve into our evaluation of Progressive car insurance review.
• Wide Discount Range: Progressive provides a variety of discounts, including multi-policy, safe driver, and student discounts, helping Washington drivers reduce their premiums while maintaining comprehensive coverage.

Cons

• Customer Service Issues: Progressive’s customer service has received mixed reviews, with some Washington customers reporting issues with claims processing and overall support, which can affect the value of its low rates.
• Rate Increase Potential: Rates for Washington drivers can increase significantly after the initial policy period, especially for drivers with accidents or tickets, potentially offsetting the benefits of the low starting rates.

#3 – Nationwide: Best for Wide Coverage

Pros

• Strong Financial Stability: Nationwide’s robust financial stability ensures it can handle large claims, providing reliable coverage for Washington drivers seeking peace of mind despite relatively higher monthly rates starting at $30.
• Comprehensive Coverage Options: Offers a broad range of insurance products and add-ons, including the Vanishing Deductible, which reduces the deductible with each year of safe driving, adding value for long-term Washington customers.
• Vanishing Deductible Feature: This unique feature helps Washington drivers save on out-of-pocket costs by decreasing the deductible for every claim-free year, promoting safe driving and long-term savings. Check out insurance savings in our complete Nationwide car insurance discount.

Cons

• Higher Premiums: Nationwide’s premiums are generally higher compared to some competitors, starting at $30 per month for minimum coverage, which might be less appealing for Washington drivers on a tight budget.
• Mixed Customer Satisfaction: While Nationwide offers extensive coverage, customer satisfaction is not consistently high, with some Washington customers reporting less favorable experiences with claims handling and service.

#4 – State Farm: Best for Policy Discounts

Pros

• Extensive Agent Network: With numerous local agents in Washington, State Farm offers personalized service.
• Strong Customer Satisfaction in Washington: Consistently high ratings for customer service and claims handling.
• Comprehensive Coverage Options: Offers a broad range of insurance products and customizable coverage options for Washington policyholders. Unlock details in our State Farm car insurance review.

Cons

• Higher Rates for Some Drivers: State Farm’s rates can be higher for drivers with less-than-perfect records, which may make it less attractive for Washington drivers with previous accidents or violations seeking the cheapest insurance.
• Limited Discount Options: Compared to some competitors, State Farm provides fewer discount opportunities, potentially limiting savings for Washington drivers who might benefit from a broader range of discount options.

#5 – Geico: Best for Low Premiums

Pros

• Low Premiums: Geico offers some of the most affordable insurance rates in Washington, starting at $32 per month, making it a top choice for drivers looking to minimize their insurance expenses. Learn more in our Geico car insurance review.
• User-Friendly Online Tools: Geico’s robust online platform and mobile app provide Washington drivers with easy access to manage their policies, file claims, and track discounts, enhancing convenience and user experience.
• Extensive Discount Options: Geico provides a wide range of discounts, including for multi-vehicle, military service, and good students, helping Washington drivers lower their premiums while maintaining comprehensive coverage.

Cons

• Inconsistent Customer Service: Customer service experiences with Geico can be inconsistent, with some Washington drivers reporting difficulties with claims and support, which may affect overall satisfaction despite low premiums.
• Limited Local Agent Availability: Geico has fewer local agents compared to other major insurers, which can impact personalized service and in-person support for Washington drivers who prefer face-to-face interactions.

#6 – Travelers: Best for Flexible Options

Pros

• Strong Financial Ratings: Travelers’ strong financial stability ensures reliable coverage for Washington drivers, handling large claims efficiently while offering competitive rates starting at $35 per month. See more details on our Travelers car insurance review.
• Wide Range of Coverage Options: Provides various coverage options and add-ons, allowing Washington drivers to customize their policies to meet specific needs and preferences for comprehensive protection.
• Good Discount Options: Travelers offers discounts for bundling policies, safe driving, and more, helping Washington drivers reduce their premiums and benefit from savings opportunities while maintaining robust coverage.

Cons

• Average Customer Service: Travelers’ customer service has received mixed reviews, with some Washington drivers experiencing issues with claims handling and overall support, which can impact the perceived value of their low rates.
• Higher Rates for Some Drivers: Travelers’ premiums can be higher for younger or high-risk drivers, making it a less cost-effective option for those in Washington who fall into these categories.

#7 – Liberty Mutual: Best for Affordable Policies

Pros

• Customizable Policies: Liberty Mutual offers a variety of customizable policy options, allowing Washington drivers to tailor their coverage to specific needs while benefiting from rates starting at $40 per month.
• Strong Financial Stability: With solid financial stability, Liberty Mutual can handle significant claims, providing reliable coverage and peace of mind for Washington drivers seeking affordable insurance.
• Wide Range of Discounts: Provides discounts for safe driving, bundling, and more, helping Washington drivers save on their premiums and access affordable policies tailored to their specific needs. Learn more in our Liberty Mutual car insurance review.

Cons

• Higher Premiums: Liberty Mutual’s rates can be higher compared to some competitors, starting at $40 per month, which may be less appealing to Washington drivers looking for the cheapest insurance options.
• Mixed Customer Service Reviews: Customer service experiences with Liberty Mutual can vary, with some Washington drivers reporting inconsistent support and claims handling, potentially affecting overall satisfaction despite the range of discounts.

#8 – American Family: Best for Discount Opportunities

Pros

• Good Customer Service: Generally positive reviews for customer service and claims handling, ensuring that Washington drivers receive reliable support while benefiting from rates starting at $41 per month.
• Strong Financial Stability: As mentioned in our American Family car insurance review, American Family’s financial security provides confidence in handling large claims, offering Washington drivers reliable coverage and protection with competitive rates.
• Wide Range of Discounts: Offers various discounts for bundling, safe driving, and loyalty, helping Washington drivers reduce their premiums and access affordable coverage tailored to their needs.

Cons

• Higher Rates: Premiums with American Family can be higher than average, starting at $41 per month for minimum coverage, which might be less appealing for Washington drivers looking for the cheapest options.
• Limited Availability: Not available in all states, which can be a drawback for Washington drivers who move or need coverage in other regions, limiting the flexibility of their insurance options.

#9 – Farmers: Best for Customizable Plans

Pros

• Comprehensive Coverage Options: Farmers provides a wide range of coverage options and add-ons, allowing Washington drivers to customize their policies to suit their specific needs while benefiting from rates starting at $44 per month.
• Strong Agent Network: With many local agents, Farmers offers personalized service, helping Washington drivers find the best rates and tailored coverage solutions to meet their individual needs. Learn more in our Farmers car insurance review.
• Good Customer Service: Generally positive reviews for customer service and claims handling, ensuring that Washington drivers receive reliable support and efficient service while benefiting from comprehensive coverage options.

Cons

• Higher Premiums: Rates with Farmers can be higher compared to some competitors, starting at $44 per month, which may be less attractive for Washington drivers seeking the most affordable insurance options.
• Fewer Discounts: Compared to other major insurers, Farmers offers fewer discount opportunities, potentially limiting savings for Washington drivers who could benefit from a broader range of discount options.

#10 – Allstate: Best for Good Discounts

Pros

• Strong Agent Network: Allstate’s extensive network of local agents offers personalized service, helping Washington drivers access tailored coverage and navigate their insurance needs effectively while benefiting from rates starting at $50 per month.
• Good Customer Service: Generally positive reviews for customer service and claims handling, ensuring that Washington drivers receive reliable support and efficient service despite higher premiums. Discover more about offerings in our Allstate car insurance review.
• Comprehensive Coverage Options: Provides a broad range of insurance products and customizable coverage options, allowing Washington drivers to find the right policy for their needs and preferences.

Cons

• Higher Premiums: Allstate’s premiums can be higher than average, starting at $50 per month for minimum coverage, which may be less appealing to Washington drivers seeking the most affordable insurance options.
• Mixed Online Tools: Some customers find Allstate’s online tools and mobile app less user-friendly compared to competitors, which can affect the convenience of managing policies and filing claims for Washington drivers.

Washington Car Insurance Coverage and Rates

To purchase optimum coverage specific to your driving habits, you need to understand the various types of coverage and the associated rates. To enable you to make the most informed decision, we have put together this guide containing all essential insurance fundamentals such as minimum coverage requirements, liability protection, add-on coverage, and also how Washington’s rates compare to other states.

The table below compares monthly rates for minimum and full coverage for Washington car insurance.

Washington Car Insurance Monthly Rates by Coverage Level & Provider

What is the minimum car insurance required by each state? It’s important to know how these requirements are the same or different in Washington compared to the rest of the country.

Read More:

• Compare Car Insurance Rates by States
• Compare Washington D.C Car Insurance Rates

Minimum Car Insurance Coverage in Washington

Does Washington state require car insurance? Washington is an at-fault state, which means that it is mandatory to have minimum auto liability insurance. According to state law, a driver is required to carry proof of minimum auto liability insurance. Electronic proof is acceptable as proof of insurance at a traffic stop.

However, not carrying proof of insurance will attract penalties and fines from law enforcement. But what is minimum liability insurance, and is it enough? Liability car insurance pays for injuries and damages to the third party in case of an accident caused by you.

Liability insurance does not cover injuries or property damage sustained by you or your co-passengers.

Here’s a real-life example to help you understand the importance of liability car insurance: You are approaching a stop sign a few blocks from your home, and out of habit you failed to stop which resulted in you rear-ending a car that joined the road ahead of you. In this case, your insurer would most probably cover the damage to the third party up to the coverage limit.

While minimum liability insurance is mandatory in Washington, it is only the baseline coverage that may not be adequate for your needs. You need to analyze the financial risk that you might expose yourself to if you decide to save on additional coverage. Take a look at the cost of minimum coverage in Washington and elsewhere.

If you have substantial assets, it is advisable to purchase adequate liability insurance so that your assets are not at risk.

You should buy liability coverage equal to the total asset value. Calculate your total asset value by adding up the dollar values of your house, car, savings, and investments.

Is there any other option besides purchasing insurance that allows you to drive in Washington? Sure, in the next section, we will look at the various forms of financial responsibility accepted in the state of Washington.

Required Forms of Financial Responsibility in Washington

If you own a vehicle registered in Washington, in place of liability auto insurance, you must have one of the following forms of financial responsibility:

• Certificate of Deposit: You can apply for a certificate of deposit with the Department of Licensing (DOL) by submitting a Financial Responsibility Application and Affidavit and depositing $60,000 with the DOL.
• Liability Bond: You can also purchase a liability bond of $60,000 from a surety bond company authorized to do business in Washington.
• Self-Insurance: If you have 26 vehicles or more, you can apply for the self-insurance certificate number.

A liability bond is a line of credit that you pay an annual rate to maintain. In case of a liability claim, you can borrow the required sum of money from the bond; however, you are expected to reimburse the surety company for any losses they may sustain because of your actions.

We established how much liability insurance you should purchase, but you might be wondering how much an average Washingtonian spends on auto insurance. In the next section, we try to answer this question.

Additional Liability Coverage in Washington

You should refer to the loss ratio If you need to figure out if the average rate is expected to increase soon or if the insurer is paying its claims. The loss ratio is the percentage calculated from the total claims a company serviced compared to the total premium it earned. See table below:

Washington Car Insurance Loss Ratio vs. U.S. Average

A high loss ratio might indicate a higher premium in the future because the company is facing higher claims than its income, whereas if the loss ratio is lower than the average it might mean that the company is not paying its claims.

Uninsured and Underinsured Motorists Coverage in Washington

At 17.4%, Washington has the seventh-highest number of uninsured drivers in the nation. Uninsured motorists coverage is designed to protect you in case of an accident where an uninsured driver is at fault. I is not mandatory to purchase uninsured coverage, it is prudent to buy the additional coverage given the high number of uninsured drivers in the state.

Add-ons, Endorsements, and Riders

In addition to options like collision and comprehensive insurance, there are other additional car insurance coverages to consider in creating your insurance policy, such as:

• Guaranteed Auto Protection (Gap) Insurance
• Personal Umbrella Policy (PUP)
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Rental Reimbursement
• Modified Car Insurance Coverage
• Classic Car Insurance
• Non-Owner Car Insurance
• Pay-As-You-Drive Insurance

If you’re wondering “Do I need additional car insurance coverage?” it’s important to talk to your agent about your car insurance needs.

Cheapest Rates by ZIP Code in Washington

Let’s take a look at what the cheapest and most expensive ZIP codes are in Washington.

The interactive map above provides detailed car insurance rates by ZIP code across Washington. You can click on each ZIP code to view specific rates and compare different areas easily. This tool is particularly useful for finding the most affordable car insurance options in your vicinity.

Best Washington Car Insurance Companies

You might be wondering how you should choose your insurer. Purchasing your auto insurance is more than just choosing the cheapest provider. You should include considerations such as the financial health of the insurer, reputation, credit rating, and loss ratio.

Fret not as in this guide we will help you figure out which insurer best suits your needs. Find the absolute cheapest car insurance online to get better rates.

Financial Ratings of the Leading Insurance Companies in Washington

The first step in finalizing an insurer is to understand the financial strength of the company. Since not all of us have a business degree to analyze the balance sheet of several insurance providers, we will take the help of financial ratings from AM Best’s credit rating.

A.M. Best Financial Strength Ratings From the Top Washington Car Insurance Providers

AM Best is one of the most reputed credit rating agencies in the insurance industry. A sound credit rating of an insurer indicates that a company is financially capable of settling future claim obligations.

Washington Car Insurance Companies With the MOST Customer Complaints

Analyzing complaints data is fundamental to understanding the service quality of an insurer before purchasing a policy. In the competitive market, insurers are trying to retain customers by improving service quality along with lower rates.

Here’s the data for the complaints ratio for top insurers in Washington.

Washington Customer Complaint Ratios by Car Insurance Provider

However, if you feel dissatisfied with the service provided by the insurer, you can complain to the Office of the Insurance Commissioner. The complaints ratio of the company includes all successful complaints lodged against the insurer.

Do you know: Complaints ratio is simply the number of complaints received per 100,000 policies written. A high ratio for a company compared to peers indicate that the quality of service may be unsatisfactory.

Cheapest Car Insurance Companies in Washington

As we see from the table, on average, USAA, Allied, and State Farm are the cheapest insurers in Washington.

You can get Washington car insurance quotes from the USAA, Allied, and State Farm from our free comparison tool. Finding the cheapest car insurance doesn’t have to be difficult. Just enter your ZIP code to get started.

Read More: Allied Car Insurance Discounts

How Much Auto Insurance Costs in Washington

Explore car insurance costs in Washington cities—Bellevue, Bothell, Cle Elum, Kenmore, Lacey, Mica, Mukilteo, Olympia, Pullman, Sammamish, Seattle, Shelton, Spokane, Vancouver, and Yakima.

Washington Auto Insurance Cost by City

This concise citywise analysis sheds light on factors influencing car insurance rates, empowering informed decisions about coverage based on your specific location in the Evergreen State.

Largest Car Insurance Companies in Washington

Understanding the market share of car insurance providers can offer insights into their presence and popularity within the state. The following graph highlights the market share percentages of the largest car insurance providers in Washington.

These figures can help you understand the competitive landscape of car insurance providers in Washington. By comparing these market shares, you can identify which insurers are most prevalent and gauge their influence on pricing and policy options in the state.

Number of Car Insurers in Washington

The following data presents the count of domestic and foreign car insurance companies operating in the state. With a diverse array of options available, this comprehensive list illustrates the breadth of the insurance market in Washington.

Number of Washington Car Insurance Companies

This extensive selection of insurers provides a wide range of options for consumers in Washington, ensuring they can find coverage that suits their needs and preferences.

State Laws in Washington

We understand that going through state laws can be confusing. But it is also vital as it can help you optimize your insurance policy for the best possible coverage. Knowledge of applicable laws may help keep your driving record clean and keep your rates low. In this guide, we provide a quick overview of the rules and regulations that you should be aware of while driving in the beautiful state of Washington.

Car Insurance Laws in Washington

Washington car insurance laws feature a mandatory liability insurance law that was enacted in 1989 and is under the authority of the Washington State Department of Licensing. The law mandates that you carry liability insurance above the state-mandated minimum coverage.

Let us now review a few rules and regulations that can make your drive safe in the Evergreen State. If you need to know how to find car insurance coverage requirements in your state, ask your agent for some additional information or research online.

Windshield Coverage Laws in Washington

Insurance law in Washington does not mandate insurance companies to provide any exclusive coverage for windshield repair or replacement. However, insurers usually offer glass protection with comprehensive coverage. Insurance may provide aftermarket or used parts as replacements for windshield damage.

You can opt for an OEM part but have to bear the difference in cost. It’s important to know about broken windshield car insurance in case you ever need it.

Read More:

• Does car insurance cover broken car windows?
• Compare Best Car Insurance Companies That Offer OEM Parts Coverage

High-Risk Insurance in Washington

You might face difficulties in purchasing insurance coverage If you have a poor driving record. The Office of the Insurance Commissioner of Washington State recommends that you shop around to seek insurance coverage.

However, if you are denied coverage in the voluntary market, then you can contact the Automobile Insurance Plan to get assigned to an insurance provider. The rates under the Automobile Insurance Plan will be generally higher than the voluntary market, and you also have to submit an SR 22 form with The Washington State Department of Licensing (DOL).

SR-22 form is submitted to the DOL on your behalf by the insurer that proves that you valid liability insurance for a certain period of time.

Low-Cost Insurance in Washington

Washington does not have a specific plan for low-cost insurance. The Office of the Insurance Commissioner recommends shopping around for the cheapest rate.

Automobile Insurance Fraud in Washington

Of course, we all know that auto insurance fraud is a crime in Washington. But what might be confusing is what qualifies as a fraud. Is it using a fake address for cheap car insurance? What are the repercussions of committing fraud? And, lastly how to avoid committing fraud unknowingly?

Read More: Can you legally use a different address to get cheaper car insurance?

Auto insurance frauds committed by individuals can be of two types: hard frauds and soft frauds. Hard fraud includes crimes such as claim fabrication or staging accidents to file a claim for damages and injuries that did not happen.

Soft fraud is this type of fraud that is more prevalent, and you must be wary of not committing these frauds unknowingly. Soft frauds include underestimating mileage in an insurance application, reporting a wrong ZIP code to the insurer, claiming garage parking for a discount when the car is parked on the street, etc.

Insurance fraud is a crime classified either as a gross misdemeanor or a felony by the Office of the Insurance Commissioner in Washington. Apart from criminal penalties, the person committing the fraud might also face civil penalties, including fines and revocation of driver’s license, etc.

You can report fraud with the Office of the Insurance Commissioner (OIC) online for a reward. The OIC may forward the alleged crime to The Criminal Investigations Unit (CIU) for investigation and possible indictment. If you were a victim of insurance fraud, you can contact the following number for help: Insurance Consumer Hotline at 800-562-6900.

Statute of Limitations in Washington

The statute of limitations is time after an accident until which you can bring a lawsuit against a third-party. In Washington, the statute of limitations is three years for personal injury and property damage.

Vehicle Licensing Laws in Washington

Is your driver’s license expiring soon? If yes, then you might be wondering: Does the Washington State Department of Licensing (DOL) allow online renewals? Do I have to get a REAL ID-compliant driver’s license? What is the penalty for driving without car insurance in Washington? Remember it is illegal to drive without a valid driver’s license in Washington. You can be fined or jailed for the offense.

Read on to know about the state licensing laws as we answer these important questions.

Real ID Implementation in Washington

The Federal Real ID Act was passed in 2005 and came into effect in October 2020, in which a REAL ID-compliant ID is needed to board domestic flights, enter federal buildings, or cross U.S. border crossings. But what is REAL ID complaint ID and do you need an Enhanced Driver’s License?

Here are the following documents in compliance with REAL ID:

• US Passport
• Foreign Passport
• U.S. Military ID
• Permanent Resident Card (Green Card)

In case you do not have any of the above documents, you should opt for an Enhanced Driver License (EDL). To apply for the EDL, you need to carry all the documentation to the nearby Driver Licensing Office.

Penalties for Driving Without Insurance in Washington

If you are caught driving without insurance, you could be fined upwards of $550. You may have your driver’s license suspended if you cause a collision and you can not pay for damages in the absence of liability insurance.

Penalties aside, you can put yourself in substantial financial risk if you caused damages and/or injuries in a collision. Don’t make the mistake of driving without insurance. You can use our free tool to get quotes now. Just enter your ZIP code to start saving.

Teen Driving Laws in Washington

Licensing laws in Washington provide teens with a multi-stage process to learn to drive and get comfortable under supervision before being allowed to drive on their own.

Can you get car insurance without a license? If you are a teen above the age of 15, you can apply for an instruction permit if enrolled in an approved driving education course. Otherwise, wait till you are 15 years and six months old to get a permit. To obtain a driver’s license, you begin with an instruction permit that’s valid for one year, renewable twice with supervisor approval.

During this period, you must practice driving under the supervision of a licensed driver for at least 50 hours. At age 16, you need to complete an approved driver-training course comprising 30 hours of classroom instruction and six hours of driving practice.

This qualifies you for an intermediate license, which permits supervised driving but restricts unsupervised driving between 1:00 a.m. and 5:00 a.m. Upon turning 18 and maintaining a clean driving record, you can apply for a standard license. Alternatively, you can opt for an enhanced driver’s license to comply with the REAL ID Act requirements.

License Renewal Procedure in Washington

Your driver’s license in Washington has a validity of six years, and the DOL allows for renewal by mail, online, or in person.

You can renew your license online with the Department of Licensing. However, online renewals are not allowed for people under the age of 24 or above the age of 70. You will have to visit the nearest driver licensing office.

You can renew your license one year before the current license expires or 60 days after it has expired. You need to pay a late fee if you are renewing after 60 days of license expiry.

Can you have car insurance with an expired license? SR-22 certificates might help with this.

Remember: You cannot renew a license if your previous license expired for more than six years. You have to start over. Pay the late fee and renew.

New Residents

First of all, welcome to the Evergreen State. Now that you are a resident of the Evergreen State, you can enjoy the various outdoorsy activities that this beautiful state has to offer. But, before you get on the road, you need to get your driver’s license sorted. The law states that as a new resident, you must get a Washington driver’s license within 30 days of the date you became a resident.

Learning how to handle car insurance policies when moving out of state can be confusing sometimes. You can exchange your valid out-of-state license for a Washington driver’s license. No need to take the knowledge test.

For non-citizens, the licensing process is identical to the described process. However, you have to carry your residency paperwork (including visa and residency status documents) to the Department of Licensing offices.

Discover the top car insurance providers in Washington and their exclusive discounts, tailored to help drivers save on premiums with benefits like multi-policy savings, safe driver rewards, and more.

These discounts from top car insurance providers in Washington help car owners save money while promoting safe driving and policy bundling.

Rules of the Road in Washington

Knowledge of road rules is critical. It not only helps you be safe on the road, but it also helps you to keep a clean driving record. A clean driving record may mean insurance discounts for you. You must have read about the rules and regulations when you got your license. But, to keep you safe, we wanted to do a quick recap of the critical rules, including speed limits, seat belts, safety laws, etc.

Fault vs. No-Fault

What is the difference between fault vs. no-fault car insurance? Washington follows an at-fault system of auto insurance with Pure Comparative Negligence.

But, what is Pure Comparative Negligence? It is a type of at-fault auto insurance wherein a driver is only liable for his or her percentage of fault. It means that an at-fault driver can also recover damages from you up to the percentage of your responsibility.

Let’s understand it by an example: If a car merges in your lane without indication and hits you, he or she might be at fault for the accident. Now suppose you take the other driver to court and the court finds you partially responsible due to overspeeding, then your accident settlement may be reduced according to the percentage of your fault.

Seat Belt and Car Seat Laws in Washington

Seat belts are vital for passenger safety in case of an accident. Washington state law requires all people over the age of 16 driving or riding in a car to wear seatbelts. Washington follows primary enforcement for seat belt laws and the base fine for the first offense is $124.

The child restraint legislation was amended in early 2019 and now includes the following:

Washington Child Seat Laws

Do you know: Primary enforcement allows law enforcement to stop and fine you for not wearing seat belts.

Keep Right and Move Over Laws in Washington

Driving laws in Washington mandates that you should keep right if driving slower than the traffic unless you are passing or taking a left. You should also move off the lane closest to emergency vehicles if it is safe to do so.

If not, you are required to slow down within 200 feet before and after a stationary emergency vehicle. This is all part of identifying a safe speed to drive your car.

Speed Limits in Washington

Knowing the speed limits on different types of roads is crucial for safe and legal driving. Below are the speed limits for various road types in Washington.

Washington Speed Limit by Road Type

These speed limits help ensure the safety of all road users and vary depending on the type and location of the road. Always observe posted speed limits and adjust your driving according to road conditions.

Ridesharing Laws in Washington

Washington implemented a statewide law for ridesharing companies in 2017 requiring companies like Uber and Lyft to pay an annual fee to the state. Per the law, drivers are considered independent contractors and will be subject to multijurisdictional and national background checks. It’s important for rideshare drivers to compare independent contractor car insurance rates to ensure they have the right coverage for their unique needs.

Ridesharing drivers will have to undertake a third-party review of their driving history, and any applicant with serious infractions or felonies will not be allowed to operate as a contractor. The state law also offers tax credits to employers that provide financial incentives to employees who use car-sharing companies.

Currently, Allstate, Metlife, Metromile, State Farm, and USAA car insurance offer specialized coverage for ridesharing drivers in Washington. The best car insurance for delivery drivers is available through several of these companies if you compare rates online.

Read More: How do you get a Metromile car insurance quote online?

Automation on the Road in Washington

Washington allows the testing of driverless cars on the street. The operator is not required to be present in the vehicle, but if an operator is present, he or she must be licensed. The driverless car must have the required liability insurance for a road test.

Safety Laws in Washington

A reckless or impaired driver on the road can cause severe injury or harm to anyone sharing the streets. No one wants such a driver on the road endangering other drivers and pedestrians. Washington also has harsh penalties to discourage people from driving intoxicated or distracted.

DUI Laws in Washington

Washington saw 178 alcohol-impaired fatalities in 2017, which is more than 31% of the total deaths in the state. The situation is grim when you consider that more than 30% of total under-21 fatalities in the state were alcohol-impaired.

Washington state DUI law has severe penalties to stop people from driving impaired. DUI insurance laws in Washington State are important to learn about. The first four infractions for driving under the influence (DUI) carry a gross misdemeanor charge while any further offense will attract a class B felony charge.

Do you know: DUI charges are applicable if your blood alcohol content (BAC) is higher than 0.08.

The lookback period is seven years in Washington for DUI offenses. The lookback period is the time until which a DUI offense will remain on your record. If you repeat a DUI offense within seven years, it will count as a second or subsequent infraction resulting in harsher penalties.

Here is the summary of all the penalties and fines associated with DUI offenses in Washington State.Washington DUI Penalties

Marijuana-Impaired Driving Laws in Washington

According to the Washington State Liquor and Cannabis Board, if you are 21 years or older, it is illegal for you to drive with five ng/ml of THC or more. If you are 21 years or younger, Washington State has a zero-tolerance policy for marijuana.

Distracted Driving Laws in Washington

Washington wants drivers to focus on driving rather than being distracted by their mobile phones or other electronic devices.

It is illegal for all drivers to use hand-held devices or text messaging while driving. If you still use such devices while driving, you are not only putting yourself and others at risk; you would also attract the ire of law enforcement. Will a ticket for talking on a cell phone affect your car insurance rates? It depends on a variety of factors.

Do you know: Since the law allows primary enforcement, a police officer can stop you and book you for using your handheld device.

The law also prohibits instruction permit and intermediate license holders to use any wireless devices while driving.

Driving in Washington

Insurers consider theft and accident data in your area to calculate the rate for a particular policy, and therefore, it has a direct impact on your rate outlay. While driving involves inherent risk, it is always good to know the theft and accident data so that you remain safe.

Vehicle Theft in Washington

The data shown at the table below can help you understand which vehicles are most at risk and take appropriate measures to protect your car.

Top 10 Washington Car Thefts by Model

The most stolen car in Washington is a 1997 Honda Accord. You can also see the following data, sourced from the FBI, to check the number of vehicle thefts in your city.

Top 10 Washington Car Thefts by City

By being aware of the vehicle theft rates in your city, you can better safeguard your vehicle and contribute to reducing theft incidents in Washington.

Road Fatalities in Washington

Let us now look at detailed data on fatality rates and causes in Washington.

Fatal Crashes by Weather Condition and Light Condition

The data below examines the impact of weather and light conditions on fatal crashes in Washington. These factors can offer insights into how environmental conditions contribute to road fatalities.

Washington Fatal Crashes by Weather Condition and Light Condition

The data highlights the impact of weather and light conditions on road safety. By understanding these factors, authorities can implement more effective safety measures to reduce the number of fatal crashes in varying conditions.

Fatalities by county for all crashes in Washington

Fatal crashes can vary widely between counties. The table below provides an overview of fatal crash statistics for each county in Washington from 2019 to 2023. This data is vital for local authorities to understand the severity and trends of fatal crashes in their respective regions.

Washington Fatal Crashes by County

This county-wise breakdown of fatal crashes emphasizes the need for localized safety interventions. By analyzing these trends, counties can develop targeted strategies to improve road safety and reduce fatalities.

Traffic Fatalities in Washington

Different road types can influence the occurrence and severity of fatal crashes. The table below categorizes fatal crashes in Washington by road type from 2019 to 2023. Understanding these distinctions helps in designing safer road infrastructures and implementing appropriate safety measures.

Washington Traffic Fatalities by Area Type

The data on fatal crashes by road type reveals significant trends that can guide road safety improvements. By focusing on the specific needs of rural and urban roads, authorities can better address the unique challenges each road type presents.

Fatalities by Person Type in Washington

The following table categorizes fatal crashes in Washington by person type, providing insights into which groups are most affected by these tragic incidents. This data is crucial for tailoring safety campaigns and measures to protect vulnerable road users.

Washington Traffic Fatalities by Person Type

By understanding the distribution of fatalities among different person types, targeted safety interventions can be developed to protect all road users, especially those who are most at risk.

Fatalities by Crash Type in Washington

The table below provides a breakdown of fatal crashes in Washington by crash type, highlighting the various scenarios that result in fatalities. This information is essential for identifying key areas for intervention to reduce fatal crashes.

Washington Traffic Fatalities by Crash Type

Identifying the most common types of fatal crashes allows for focused safety measures and educational campaigns. By addressing these specific crash types, the overall fatality rate can be reduced.

Fatalities Involving Speeding by County in Washington

Speeding is a major factor in many fatal crashes. The table below provides data on fatalities involving speeding categorized by county. This information highlights the areas where speeding is a significant issue.

Washington Speeding Fatalities by County

The data on speeding-related fatalities underscores the need for stringent speed control measures. By targeting counties with high incidences of speeding-related fatalities, effective interventions can be implemented to save lives.

Fatalities in Crashes Involving an Alcohol-Impaired Driver by County in Washington

Alcohol impairment is a leading cause of fatal crashes. The table below details the number of fatalities involving alcohol-impaired drivers by county from 2018 to 2023. This data is crucial for understanding the scope of the issue and formulating effective countermeasures.

Washington DUI Fatalities by County

Addressing alcohol-impaired driving requires a combination of enforcement, education, and support. The data provided highlights the counties most affected by this issue, guiding efforts to reduce alcohol-related fatalities.

Teen Drinking and Driving in Washington

Washington police arrested 167 teens for driving under the influence in 2017. The number of arrests grew from 121 in 2016. In 2016, Washington saw 0.7 under 21 alcohol-impaired driving fatalities per 100,000 population. This is less than the national average of 1.2 deaths per 100,000 population.

Transportation in Washington

Commuters in Washington spend a lot of time on a train or a bus or stuck in a traffic jam. Let us now look at the reasons behind the long commute in Washington, especially the Greater Seattle area.

Car Ownership in Washington

On average, households in Washington own two cars, which is on par with the national average.

Commute Time in Washington

People in Washington spend a lot of time on their commute. Approximately 20% of Washingtonians are spending 45 minutes or more in their daily commute.

Commuter Transportation in Washington

As per DataUSA, approximately 72% of commuters in Washington prefer to drive alone to work, which is less than the national average of 76%.

Traffic Congestion in Washington

Seattle is the biggest city in Washington and the sixth most congested city in the nation. The cost of traffic congestion is staggering in Seattle. A driver can lose 138 hours or $1,932 due to traffic congestion.

Washington Statistics Summary

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